Reference index – the weighted average interest rate on newly attracted deposits from individuals, calculated in accordance with the methodology of the National Bank of Moldova (NBM) and published on the website www.bnm.md, as follows:

• for loans granted in national currency (MDL) – the weighted average rate of newly attracted deposits in MDL with maturities from 6 to 12 months;
• for loans granted in foreign currency or linked to a foreign currency – the weighted average rate of newly attracted deposits in the respective currency with maturities from 6 to 12 months.

Evolution of the reference index for loans granted to individuals

Loans in national currency (MDL):

• 01 April 2026 – 30 June 2026 → 5.86
• 01 January 2026 – 31 March 2026 → 5.67
• 01 October 2025 – 31 December 2025 → 5.59
• 01 July 2025 – 30 September 2025 → 5.58
• 01 April 2025 – 30 June 2025 → 4.96

Loans in foreign currency or linked to a foreign currency:

• 01 April 2026 – 30 June 2026 → 1.22
• 01 January 2026 – 31 March 2026 → 1.22
• 01 October 2025 – 31 December 2025 → 1.21
• 01 July 2025 – 30 September 2025 → 1.24
• 01 April 2025 – 30 June 2025 → 1.43